Systems and methods for populating online applications using third party platforms

Patent metadata

Field	Value
Publication number	US-10095676-B2
Application number	US-201715422653-A
Country	US
Kind code	B2
Filing date	Feb 2, 2017
Priority date	Dec 11, 2013
Publication date	Oct 9, 2018
Grant date	Oct 9, 2018

Abstract

A system including a database that stores a web-based form that includes an interface mechanism allowing an applicant to select a third party to provide data to populate a plurality of fields of the form, a communication interface that transmits the form to a device and receives an input indicative of an application selection for the party, and an application server, that, in conjunction with the communication interface, in response to the received input, transmits a third-party application programming interface (API) call to the party; transmits data of an authentication request associated with the party; receives a security token in response to a validated authentication request, the token enabling communication between the server and party via the API; requests and receives a set of data from the selected third party via the API, the requested set of data including data for populating a specific data field of the form.

First claim

We claim:

1. A method comprising the steps of:
storing, at a database, a web-based form that includes an interface mechanism to allow an applicant to select a third party to provide data to populate a plurality of fields of the web-based form;
transmitting, by a communication interface, the web-based form to a device of the applicant and receiving an input indicative of an applicant selection for the third party to provide data to populate the plurality of fields of the web-based form; and
transmitting, by an application server in conjunction with the communication interface, in response to the receipt of the input, a third-party application programming interface (API) call to the selected third party; transmitting data indicative of an authentication request associated with the selected third party; receiving a security token in response to a validated authentication request, the security token enabling communication between the application server and the selected third party via the third party API; requesting a set of data from the selected third party via the third party API, and wherein, in response to the request for the set of data from the selected third party, receiving the requested set of data via the third party API, the requested set of data including data for populating a specific data field of the web-based form.

2. A system comprising:
a database that stores a web-based form that includes an interface mechanism to allow an applicant to select a third party to provide data to populate a plurality of fields of the web-based form;
a communication interface that transmits the web-based form to a device of the applicant and receives an input indicative of an applicant selection for the third party to provide data to populate the plurality of fields of the web-based form; and
an application server, that, in conjunction with the communication interface, in response to the receipt of the input, transmits a third-party application programming interface (API) call to the selected third party; transmits data indicative of an authentication request associated with the selected third party; receives a security token in response to a validated authentication request, the security token enabling communication between the application server and the selected third party via the third party API; requests a set of data from the selected third party via the third party API, and wherein, in response to the request for the set of data from the selected third party, receives the requested set of data via the third party API, the requested set of data including data for populating a specific data field of the web-based form.

3. The system of claim 2 , wherein the application server, in conjunction with the communication interface, associates the received set of data with a respective data field in the web-based form, and transmits the associated data with the respective data field in the web-based form to the device thereby causing the device to auto-populate the respective data field and display the auto-populated data field on a user interface of the device.

4. The system of claim 3 , wherein the user interface is part of a native application executing on the device.

5. The system of claim 3 , wherein the user interface is a mobile optimized web browser interface.

6. The system of claim 3 , wherein the user interface of the device prompts the applicant to select the third party.

7. The system of claim 2 , wherein the web-based form further comprises a data field that is to be populated manually by the applicant.

8. The system of claim 2 , wherein the third party comprises a third party system associated with the third party API.

9. The system of claim 8 , wherein the third party system comprises a privacy module that transmits the security token via the third party API.

10. The system of claim 8 , wherein the third party system comprises a social network.

11. The system of claim 8 , wherein the application server and the third party system each include a transfer module that enables data transfer between the application server and the third party system.

Assignees

• Capital One Services Llc
• Capital One Financial Corp

Inventors

• Wetzel Christopher
• Trivedi Dwij
• Colenso Robert

Classifications

• H04W12/06

  Authentication · CPC title

• H04W12/02 Primary

  Protecting privacy or anonymity, e.g. protecting personally identifiable information [PII] · CPC title

• G06F40/174

  Form filling; Merging · CPC title

• H04L63/0815

  providing single-sign-on or federations · CPC title

• G06F21/445

  by mutual authentication, e.g. between devices or programs · CPC title